GIKINVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €19.41M and a net result of €2.52M. Equity is growing by ~19.2% per year across the filed fiscal years. The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-04-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
29 d early
2023
21 d early
2022
41 d early
2021
2 d early
2020
38 d early
2019
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, unclassified schema
Equity
€19.41M▲ 14.9%
2024 · €16.88M
2018: €5.90M
2019: €6.76M
2020: €7.63M
2021: €9.63M
2022: €11.59M
2023: €13.44M
2024: €16.88M
2018 → 2025
Net result
€2.52M▼ 26.8%
2024 · €3.45M
2018: €799k
2019: €862k
2020: €866k
2021: €2.00M
2022: €1.96M
2023: €1.85M
2024: €3.45M
2018 → 2025
Total assets
€28.38M▲ 3.6%
2024 · €27.39M
2018: €14.71M
2019: €14.68M
2020: €14.67M
2021: €15.90M
2022: €16.51M
2023: €16.21M
2024: €27.39M
2018 → 2025
Solvency
68.4%▲ 6.8pp
2024 · 61.6%
2018: 40.1%
2019: 46.1%
2020: 52.0%
2021: 60.6%
2022: 70.2%
2023: 82.9%
2024: 61.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.38M-€1.68M▲ 22.2%€1.75M▲ 4.1%€2.14M▲ 22.4%€2.35M▲ 9.7%
Equity€9.63M-€11.59M▲ 20.3%€13.44M▲ 15.9%€16.88M▲ 25.6%€19.41M▲ 14.9%
Operating result€872k-€1.10M▲ 26.1%€1.01M▼ 8.1%€1.43M▲ 41.7%€1.62M▲ 13.1%
Net result€2.00M-€1.96M▼ 2.3%€1.85M▼ 5.7%€3.45M▲ 86.6%€2.52M▼ 26.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28.38M
Fixed assets
€24.65M▼ 0.3%
Current assets
€3.73M▲ 40.0%
Equity and liabilities €28.38M
Equity
€19.41M▲ 14.9%
Debt
€8.97M▼ 14.6%
The debt ratio falls from 38.4% to 31.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
68.4%▲
2024 · 61.6%
ROE
13.0%▼
2024 · 20.4%
ROA
8.9%▼
2024 · 12.6%
Debt
€8.97M▼
2024 · €10.51M
Debt ≤ 1 year
€1.64M▲
2024 · €1.47M
Debt > 1 year
€7.34M▼
2024 · €9.04M
Income taxes
€334k▲
2024 · €286k
Staff costs
€329k▲
2024 · €303k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€27.39M€28.38M▲
Fixed assets21/28€24.73M€24.65M▼
Tangible fixed assets22/27€963k€881k▼
Land and buildings22€648k€606k▼
Furniture and vehicles24€315k€275k▼
Financial fixed assets28€23.76M€23.76M=
Affiliated companies280/1€23.76M€23.76M=
Participating interests280€23.76M€23.76M=
Current assets29/58€2.67M€3.73M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€1.90M€2.31M▲
Trade receivables40€1.06M€1.23M▲
Other amounts receivable41€842k€1.08M▲
Current investments50/53€0-
Other investments51/53€0-
Cash at bank and in hand54/58€755k€1.41M▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€27.39M€28.38M▲
Equity10/15€16.88M€19.41M▲
Contributions10/11€2.32M€2.32M=
Reserves13€14.56M€17.09M▲
Distributable reserves133€14.56M€17.09M▲
Amounts payable17/49€10.51M€8.97M▼
Amounts payable after more than one year17€9.04M€7.34M▼
Financial debts170/4€7.84M€6.79M▼
Credit institutions173€7.84M€6.79M▼
Other amounts payable178/9€1.20M€550k▼
Amounts payable within one year42/48€1.47M€1.64M▲
Current portion of amounts payable after more than one year42€863k€1.05M▲
Trade debts44€21k€20k▼
Suppliers440/4€21k€20k▼
Taxes, remuneration and social security45€383k€481k▲
Taxes450/3€331k€423k▲
Remuneration and social security454/9€53k€57k▲
Other amounts payable47/48€207k€87k▼
Accrued charges and deferred income492/3€2k€791▼
Income statement
Code20242025
Operating income70/76A€2.24M€2.50M▲
Turnover70€2.14M€2.35M▲
Other operating income74€96k€145k▲
Non-recurring operating income76A-€5k
Operating charges60/66A€808k€882k▲
Goods for resale, raw materials and consumables60€95k€116k▲
Purchases600/8€95k€116k▲
Services and other goods61€231k€232k▲
Remuneration, social security and pensions62€303k€329k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€159k€182k▲
Other operating charges640/8€21k€22k▲
Operating profit (loss)9901€1.43M€1.62M▲
Financial income75/76B€2.60M€1.60M▼
Recurring financial income75€2.60M€1.60M▼
Income from financial fixed assets750€2.60M€1.58M▼
Income from current assets751€313€4k▲
Other financial income752/9€8k€17k▲
Financial charges65/66B€304k€367k▲
Recurring financial charges65€304k€367k▲
Debt charges650€330k€365k▲
Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€-39k€0▲
Other financial charges652/9€12k€1k▼
Profit (loss) for the period before taxes9903€3.73M€2.86M▼
Income taxes67/77€286k€334k▲
Taxes670/3€286k€334k▲
Profit (loss) for the period9904€3.45M€2.52M▼
Profit (loss) for the period to be appropriated9905€3.45M€2.52M▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.45M€2.52M▼
Transfer to equity691/2€3.45M€2.52M▼
To other reserves6921€3.45M€2.52M▼
Social balance
Average headcount (FTE)90875.75.7=
The notes to these accounts (59 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
30-09
Financial
Highest result since 2018net €3.45M ▲86.6%
Net result €3.45M, the highest in the series.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
30-09
Financial
Liquidity quadruplescurrent ratio 5.80
Current ratio from 1.36 to 5.80; short-term debt falls from €2.61M to €548k.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
30-09
Financial
Equity above €10MEq €11.59M ▲20.3%
5 profitable years in a row build equity to €11.59M.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Huy · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Quai de Compiègne 734500 HuyGround area
1.6 ha
Building footprint
2,702 m²
Parcel 61061A0339/05D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
GIKINVEST
since 20152.243.390.462
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61061A0339/05D000 | Wallonia | 1.6 ha | 1 · 2,702 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 4,333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2015
Fiscal year end30-09
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.